Background*

Mr. Cedric E. Ritchie served as the President and Chief Executive Officer of Bank of Nova Scotia, Toronto, Ontario. Mr. Ritchie served as the Chairman of Business Development Bank at Canadaê Toronto, Ontario since January 2001. He served as the Chairman and Chief Executive Officer of BNS since December 1979. He served as the Chairman of the Board at Business Development Bank of Canada since January 2001. He served as the Chairman of the Board of Scotia Bank. Mr. Ritchie ... has a wealth of national and international experience in the finance business. He serves as a Honorary Director at Scotiabank, Parent Company of Scotia Mortgage Investment Corporation. He serves as a Director of Burlington Resources Canada (Hunter) Ltd. He has been a Director of J. Ray McDermott, S.A. since 1995. Mr. Ritchie has been a Honorary Director at Scotiabank Capital Trust. He serves as Honorary Director of The Bank Of Nova Scotia. He has been a Director of Twin Mining Corporation since July 15, 2003. He serves as a Director of One West Holdings Ltd. and Mercedes-Benz Canada. He serves as a Director Emeritus of Canadian National Railway Company and served as its Director. He serves as a Director of Business Development Bank of Canadaê Toronto, Ontario. He serves as a Director at Concord Pacific Group Inc. He served as a Director of NOVA Corporation of Alberta and Canadian National Railways Company. He served as a Director at Business Development Bank of Canada and Canada Post Corporation. Mr. Ritchie served as a Corporate Director at Canada Life Financial Corp. since August 1999 and Director - CLA since August 1999. He served as a Director at Atlanta Gold Inc. since July 15, 2003. He served as a Director at The Canada Life Assurance Company until June 23, 2003. He served as a Director of Canadian Hunter Exploration Ltd. He served as a Director of MacMillan Bloedel Limited. Mr. Ritchie is a Fellow of the Institute of Canadian Bankers and Officer of the Order of Canada.

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